1. The applicant must purchase self-occupied housing in our city and be the owner or co-owner of the purchased housing.
2, the applicant must be normal and full deposit housing provident fund for more than six months.
3. The applicant and spouse have no outstanding housing provident fund loans. (Including the place where the housing accumulation fund is paid)
4 to provide the guarantee procedures approved by the city housing provident fund management center.
5. Meet other conditions for handling housing provident fund loans.
Second, the application materials
1. Certificate of deposit and use of housing provident fund for employees with foreign loans issued by the deposit provident fund center;
2. The deposit details or detailed list of employee housing provident fund in recent 12 months issued by the deposit place provident fund center;
3, deposit, household registration, housing management departments issued by the family members of workers (including minor children) property rounds.
Third, the treatment process
1, ask for the form. The loan applicant can consult and receive the Certificate of Housing Provident Fund Deposit at our housing provident fund business outlets, or download it from our housing provident fund website.
2. Issue certificates. The loan applicant and other employees who need to participate in the calculation of the loan amount shall go to the management center where the provident fund is deposited with the certificate of housing provident fund deposit.
3. Verify the situation. After receiving the relevant information of the applicant, the handling personnel of the housing provident fund management center verify the applicant's deposit of housing provident fund in different places by telephone, fax and online inquiry.
4. Open an account. The loan applicant and other employees who need to participate in the quota calculation shall go through the account opening procedures for the deposit account of employees with loans from different places at the business outlets of the housing provident fund management center of our city with the proof of housing provident fund deposit.
5. Apply for a loan. The specific procedures are the same as the normal application procedures for housing provident fund loans. (During the teller's internal operation, the occupation of the employee who paid the housing provident fund in different places should be entered in the applicant's occupation column of the borrower's data table in the system. )
Four. Loan amount, loan interest rate and term
The maximum loan amount can reach 6.5438+0 million.
The loan interest rate shall be subject to the provisions of the People's Bank of China. If the legal interest rate is adjusted during the loan period, and the loan period is within one year (inclusive), no adjustment will be made; If it is more than one year, the new interest rate regulation will be implemented according to the corresponding interest rate grade from 1 of the following year.
Loan Term The loan term shall not exceed 30 years, and in principle shall not exceed the remaining years from the statutory retirement age. However, employees whose remaining years from the statutory retirement age are less than 65,438+00 years can be extended to 5 years after the statutory retirement age upon their own application.